smart guaranteed life insurance
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Smart Guaranteed Life Insurance Key Facts and Policy Terms and Conditions
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We all want the best for our loved ones. Now that you’ve chosen Smart Guaranteed Life Insurance, you can relax and live life, knowing that your loved ones will receive a lump sum payment if you were to pass away.
At Smart Insurance® we pride ourselves in offering straightforward and flexible insurance. Plus, our friendly and experienced agents are based in the UK at our Feefo 2019 Gold Trusted Service call centre, giving you the very best in customer service.
Smart Guaranteed Life Insurance is provided by one of Scotland’s longest standing Life Insurers of over 150 years – Scottish Friendly Assurance Society Limited, so you can be confident knowing that your policy is backed by a respected and secure organisation.
Now that you have Smart Guaranteed Life Insurance, you’ll be protected 24 hours a day, 7 days a week, anywhere in the world.
Let Smart Insurance look after the future while you enjoy today.
Smart GuaranteedLife Insurance
Welcome to
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This document has been provided to help you understand the main considerations that you need to think about when deciding if Smart Guaranteed Life Insurance is right for you.
Please read the document carefully so that you understand the policy you have chosen. At Smart Insurance we’re here to help, so please contact us if you have any queries or need further information to understand the product you have bought.
A life insurance policy can be a long term commitment so it’s important to keep this document in a safe place so that you can refer to it in the future.
Some words or expressions used in this document have a special meaning. They will appear in bold font, and you can see their meaning in our Glossary section on page 18.
Smart Insurance is responsible for arranging your policy and carrying out administration on behalf of the insurer, Scottish Friendly Assurance Society Limited (referenced as ‘we’, ‘us’, and ‘our’ under this policy). References to ‘you’ and ‘your’ mean the policy holder.
About this document
Please keep this document in a safe place for future reference.
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About us 6
The Financial Conduct Authority (FCA) 6
Which service will Smart Insurance 6 provide you with?
Smart Guaranteed Life Insurance 7
What is Smart Guaranteed Life Insurance? 7
Who can take out cover? 7
What is covered? 7
What is not covered? 7
How much does cover cost? 7
When does cover end? 7
General information 8
Your commitment 8
Risks 8
Your cancellation rights 8
Making a claim 8
Questions or complaints 9
Financial Services Compensation Scheme (FSCS) 9
Solvency II Directive 9
Your Policy Terms and Conditions 11
Smart Guaranteed Life Insurance 12
1. Eligibility 12
2. What is covered 12
3. Minimum and maximum benefit amounts 12
4. What is not covered 13
5. Cover start and end dates 13
General conditions and information 15
1. Premium payments 15
2. Missed premium payments 15
3. Changing your insurance 15
3.1 Changes you can make 15
3.2 Changing your benefit amount 15
3.3 Changing from a joint to a single plan 15
3.4 Changes we can make 15
4. Annual review of cover 15
5. Dual insurance 15
6. Governing law 15
7. Data protection notice 16
8. Accuracy of information 16
9. How to make a claim 16
10. Cancellation rights 17
11. Complaints procedure 17
12. Financial Services 17 Compensation Scheme (FSCS)
13. Solvency II Directive 17
Glossary 18
ContentsKEY FACTS POLICY TERMS AND CONDITIONS
About usYour policy is arranged by Smart Insurance. Smart Insurance is a trading name of Neilson Financial Services Limited, who is an insurance intermediary, and is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register under reference no. 594926.Neilson Financial Services Limited is registered in England and Wales under no. 07986483. Registered Office, Landmark Place, Windsor Road, Slough, Berkshire SL1 1JL.Your policy is issued, underwritten and administered by Scottish Friendly Assurance Society Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and entered on the Financial Services register under reference no. 110002, with permission to effect and carry out contracts of insurance.
The Financial Conduct Authority (FCA) The Financial Conduct Authority is a financial services regulator. It requires us, Scottish Friendly, to give you the important information contained within this document to help you to decide whether our Smart Guaranteed Life Insurance is right for you. You should read all the information carefully so that you understand what you are buying, and then keep it safe for future reference.
Which service will Smart Insurance provide you with?Smart Insurance arrange the policy on our behalf. You do not pay Smart Insurance for doing this. We send Smart Insurance a commission which is a percentage of the total monthly premium.
You will not receive advice or a recommendation from Smart Insurance nor will they charge a fee for this service. Smart Insurance may ask some questions to narrow down the selection of benefits that they will provide details on. You will then need to make your own choice about how to proceed. Smart Insurance only offer products from Scottish Friendly for life, critical illness and personal accident insurance.
The Key Facts of the policy provide you with a summary of our product. The full Terms and Conditions are contained later in this document.
Key Facts about Smart Guaranteed Life Insurance
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What is Smart Guaranteed Life Insurance? With Smart Guaranteed Life Insurance you can select a benefit amount between £2,000 and £20,000, depending on your age. There are no questions asked about your health or any medical conditions that you may have. Smart Guaranteed Life Insurance meets the demands and needs of those who would like the benefit amount to help pay towards funeral costs, outstanding debts or left as a gift.
Who can take out cover?The Smart Guaranteed Life Insurance can provide cover for you under a single plan, or for you together with a partner life insured under a joint plan.
A life insured is eligible for cover, if at the start date they are resident in the United Kingdom and aged 30 to 80. Provided this criteria is met, we guarantee to accept your application for Smart Guaranteed Life Insurance.
What is covered? If a life insured dies, we will provide a lump sum payment as specified below:
Event Amount Payable
Accidental death Three times the benefit amount
Non-accidental death in the first 24 months from the policy start date (the deferred period)
The total of all premiums paid towards a life insured’s cover
Non-accidental death after the first 24 months from the policy start date (after the deferred period)
The benefit amount
The benefit amount you selected for each life insured is specified in your schedule. The lump sum payment is provided on the death of each life insured.
What is not covered?During the first 24 months from the start date of the policy (the deferred period), the amount we pay for a non-accidental death will be limited to the return of all premiums paid towards a life insured’s cover.
For full details about what is covered and what is not covered under Smart Guaranteed Life Insurance, please refer to the Terms and Conditions in sections 2 and 4 on pages 12 and 13.
How much does cover cost?The amount of premium payable will depend on the benefit amount you selected, age and whether you have a single plan or joint plan.
The amount of premium payable will be stated in your schedule which will be sent to you at the time you are accepted for cover.
Premiums are payable monthly and are fixed when your policy starts. Your premiums will not change throughout the duration of your policy, until the policy anniversary on or following attainment of age 95, when premiums are no longer payable for that life insured.
When does cover end? The Smart Guaranteed Life Insurance cover will continue for the whole of each life insured’s life until the first of the following occurs:
• the date of death of that particular life insured;
• if two consecutive monthly premium payments are outstanding;
• the date you cancel the policy; or
• the date we cancel the policy.
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Your commitmentIt is your responsibility to:
• ensure regular monthly premiums are paid for the duration of the policy.
• tell Smart Insurance when you, or any life insured, change personal details e.g. name, address or bank details.
• check your policy annually, to ensure that it continues to meet your requirements.
• answer all the questions asked by Smart Insurance truthfully, accurately and completely to the best of your knowledge when applying for your policy.
RisksNo cash-in value The policy has no cash-in value at any time.
Failure to pay premiumsIf two consecutive premium payments are outstanding, your policy will end with no value and cover under this policy will no longer be provided.
Effects of inflation The benefit amount is fixed when your policy starts and does not change. The value of the benefit amount you choose may not keep up with inflation and as such, the value may reduce over time.
Inheritance tax In the event of the life insured's death and the policy paying out to the estate, there may be an inheritance tax requirement. You may be able to avoid inheritance tax by using an appropriate trust. If you require any additional information or are unsure about what to do, please speak with a financial advisor or solicitor. The Government may change the tax position described above.
You may pay in moreDepending on how long you live, it is possible that you (or whoever pays the premiums) may pay in more than the benefit amount.
Your cancellation rightsYou have 30 days from the date on which you receive your policy documents to make sure you are happy with your cover, and decide whether you want to keep it.
If you want to cancel your policy, you must contact Smart Insurance within this period for a full refund, subject to no valid claim being made. If you cancel your policy after the 30 day period then you will not receive any refund of premium.
To cancel, please contact Smart Insurance:
0800 458 6901, weekdays from 9am to 7pm
Customer Service Smart Insurance PO Box 4555 Slough, SL1 0TT
If you do not cancel, your policy will start and end as set out in the Terms and Conditions and your schedule. We will collect premiums as agreed.
Making a claimTo make a claim, please contact Smart Insurance:
0800 458 6901, weekdays from 9am to 7pm
Customer Service Smart Insurance PO Box 4555 Slough, SL1 0TT
General Information
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Questions or complaintsWe hope that you never have reason to complain, but if you do, we will do our best to work with you to resolve it. Please contact Smart Insurance:
0800 458 6901 (weekdays between 9am to 7pm)
Customer Services Smart Insurance PO Box 4555 Slough, SL1 0TT
Please supply your policy number so that your complaint can be dealt with promptly. If we, or Smart Insurance, cannot resolve your complaint immediately, an acknowledgment letter will be sent to you within five working days. In the unlikely event that your complaint is not resolved to your satisfaction or after 8 weeks, you may refer it to the Financial Ombudsman Service (FOS) at:
0800 023 4567 or 0300 123 9123
The Financial Ombudsman Service Exchange Tower London, E14 9SR
Following the complaints procedure will not affect your legal rights.
Financial Services Compensation Scheme (FSCS)Both we and Smart Insurance are covered by the FSCS. You may be entitled to compensation from the scheme if either party becomes insolvent and cannot meet their obligations under this policy. The circumstances of your claim will determine whether you can make a claim and the amount you can claim. The maximum amount the FSCS will pay is 100% of the value of your claim, with no upper limit. You can obtain more information from the FSCS:
0800 678 1100 or 020 7741 4100
Financial Services Compensation Scheme 10th Floor, Beaufort House 15 St Botolph Street London, EC3A 7QU
www.fscs.org.uk
Solvency II DirectiveUnder the Solvency II directive, we are required to provide you with a Solvency and Financial Condition Report and you can access this via our website:
www.scottishfriendly.co.uk/customer-centre/ solvency-two
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POLICY TERM
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Your policy is arranged by Smart Insurance. Smart Insurance is a trading name of Neilson Financial Services Limited, who is an insurance intermediary, and is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register under reference no. 594926.
Policy Terms and Conditions Important information about your policy
Neilson Financial Services Limited is registered in England and Wales under no. 07986483. Registered Office, Landmark Place, Windsor Road, Slough, Berkshire SL1 1JL.
Your policy is issued, underwritten and administered by Scottish Friendly Assurance Society Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and entered on the Financial Services register under reference no.110002, with permission to effect and carry out contracts of insurance.
Scottish Friendly Assurance Society Limited is a friendly society incorporated and registered under the Friendly Societies Act 1992, whose registered office is at Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.
This Terms and Conditions document sets out the benefits, terms and exclusions of your cover.
Some words or expressions have a special meaning. They appear in bold font and their meaning is explained in the Glossary section on page 18.
After your application is accepted by us, Smart Insurance will issue you with a schedule. Your contract of insurance with us consists of:
• your schedule; and
• this Terms and Conditions document.
Please keep this document in a safe place for future reference.
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1. EligibilityYou are eligible for Smart Guaranteed Life Insurance as long as at the start date you are:
• resident in the United Kingdom; and
• aged 30 to 80.
If you wish to add a partner life insured to the policy, the above eligibility criteria applies at the start date or if the cover is added to the policy later, the date when the partner life insured is accepted for cover.
Providing the eligibility criteria is met, we guarantee to accept your application for Smart Guaranteed Life Insurance.
2. What is coveredIn the event of an accidental death by a life insured:
• we will pay three times the benefit amount.
In the event of a non-accidental death by a life insured:
• where death occurred in the first 24 months from the policy start date (the deferred period), we will pay the total of all premiums paid towards a life insured’s cover.
• where death occurred after the first 24 months from the policy start date (after the deferred period), we will pay the benefit amount.
3. Minimum and maximum benefit amounts
The minimum benefit amount for each life insured under the policy is £2,000. The maximum benefit amount for a life insured under the policy at the start date is:
If you apply for cover with a partner life insured, you can both apply for individual amounts of cover based on the limits above. The benefit amount you selected is specified in your schedule. If you request to increase the benefit amount after the start date, then the maximum benefit amount is based on the above table and the life insured’s age at the date of request.
The lump sum payment is provided on the death of each life insured.
Smart Guaranteed Life Insurance
Age at start date Maximum benefit amount
30–54 £20,000
55–59 £17,000
60–64 £13,000
65–69 £12,000
70–74 £9,000
75–80 £6,000
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4. What is not coveredDuring the first 24 months from the start date of the policy (the deferred period), the amount we pay for a non-accidental death will be limited to the return of all premiums paid towards a life insured’s cover.
5. Cover start and end datesThe Smart Guaranteed Life Insurance cover starts for each life insured on the start date as specified in your schedule and will continue for the whole of each life insured’s life until the first of the following occurs:
• the date of death of that particular life insured;
• if two consecutive monthly premium payments are outstanding;
• the date you cancel the policy; or
• the date we cancel the policy.
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General conditions and information about your policy1. Premium paymentsYour premium amount is calculated based on the benefit amount you selected, age and whether you have a single plan or joint plan.
The amount of premium payable will be stated in your schedule which will be sent to you at the time you are accepted for cover.
Your premium will be debited from your nominated bank account monthly on the date of your choice. All premiums are to be paid in United Kingdom currency (£ sterling) from a United Kingdom bank account.
Premiums are payable monthly and are fixed when your policy starts. Your premiums will not change throughout the duration of your policy, until the policy anniversary on or following attainment of age 95, when premiums are no longer payable for that life insured.
2. Missed premium paymentsIf two consecutive monthly payments are not paid, this policy will automatically end with no value and we will have no further responsibility in respect of this policy.
At our absolute discretion, we may reinstate the cover if the outstanding premiums are paid to us in full, although we reserve the right to make any variation in the cover provided.
As soon as a premium payment is missed, Smart Insurance will try to contact you to discuss your payment arrangements and may also reattempt collection of your premium from your nominated bank account.
3. Changing your insurance3.1 Changes you can makeYou may apply, at any time, to change your policy during the period of insurance, however, we cannot guarantee that we will be able to make the changes you request. Any changes accepted may be subject to the payment of an additional premium based on your age at the time of the request.
If your changes are accepted, you will receive confirmation of these changes, including, if applicable, a new schedule. The new schedule will replace all previous versions issued.
You can make various changes to your policy, including; updating personal details, adding a partner life insured or changing the benefit amount.
3.2 Changing your benefit amountIf at any time you decide to increase the benefit amount for a life insured, then a new deferred period will apply from the date of increase in respect of the amount of increase.
3.3 Changing from a joint to a single planFor joint plans, should a life insured pass away, the remaining life insured can continue their cover and pay the required premiums under a single plan should they wish to do so. The single plan will continue under the same terms for the remaining life insured.
3.4 Changes we can makeWe can change the terms and conditions of your policy that we reasonably consider are appropriate. These changes could affect the amount and type of cover provided under the policy. We may also make changes due to the result of a change to any applicable legislation or regulation of taxation.
If we do decide to make any changes to your policy, Smart Insurance will write to tell you at least 28 days before the change takes effect.
4. Annual review of coverIt is your responsibility to review the cover annually to ensure it remains adequate for your needs.
5. Dual insurance If the life insured is covered under more than one Smart Guaranteed Life Insurance policy, the total lump sum payment provided on death under all policies combined will be limited to that which would have applied under a single policy with a chosen benefit amount equal to the maximum benefit amount as illustrated in the ‘Minimum and maximum benefit amounts’ section on page 12.
If a reduction in the amount provided is necessary due to the maximum limits being exceeded, the reduction will be applied to the insurance policy most recently commenced and the same proportion of associated premiums paid will be refunded.
6. Governing law This policy is governed by the laws of England and Wales unless, at the policy start date, you are resident in Scotland, in which case this policy is governed by the laws of Scotland.
All policy communication will be in English.
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If the life insured’s date of birth as shown on your schedule is incorrect, the terms of the policy shall be cancelled and reissued based on terms that would have applied if the correct date of birth had been given. This could include increasing the amount of premium payable, reducing the benefit amount or cancelling this policy.
9. How to make a claimClaims should be made as soon as possible after the insured event occurs. To make a claim under this policy, please contact Smart Insurance:
0800 458 6901 (weekdays between 9am and 7pm)
Customer Services Smart Insurance PO Box 4555 Slough, SL1 0TT
Once a claim request is received, Smart Insurance will send a claim form to be completed, signed and returned. We will require an original death certificate or a certified copy to assess the claim.
We may also require the life insured’s treating doctor or a medical specialist to complete a report which will be at our expense. It may also be necessary to access the life insured’s medical records. We may also require further information or documentary evidence to assess the claim.
If any information or documentation that would reasonably be required to assess the claim is not provided by the claimant, we will not be able to process the claim until the information or documentation is made available.
Once the claim is accepted, we will provide the lump sum payment due to you or the person who is legally entitled to it, whichever is appropriate.
If applicable, we will refund any premium(s) collected after the date of death in respect of the life insured where a valid claim is made in respect of the life insured.
When we pay a claim, the life insurance cover will end for that life insured and we will have no further responsibility under the insurance for that life insured following such payment.
7. Data protection noticeWe and Smart Insurance fully comply with all applicable Data Protection Legislation and Regulation which protects the life insured when:• we or Smart Insurance contact the life insured;• the life insured contacts us or Smart Insurance;• the life insured visits Smart Insurance’s website.
Smart Insurance promises to keep the life insured’s data safe and private, give them ways to manage their marketing choices at any time and not sell their data to anyone else. Smart Insurance shall endeavour to ensure that the personal information they obtain and use will always be held, used, transferred and otherwise processed in accordance with applicable data protection laws and regulations.
The Data Protection Law allows Smart Insurance to use personal information only if they have a clear reason to do so. In order to meet these requirements, Smart Insurance will only process personal data in the following circumstances:• when it has a legitimate interest to do so;• when it has a legal duty to;• in the absence of any of the above, when the life insured
consents to it.
The life insured understands that we, and Smart Insurance, have a legal obligation to ensure that the information within the records held is kept up to date, but can only do so if provided with the up to date information by the life insured.
By providing personal information, the life insured consents that this information, will be used by us, our reinsurers, Smart Insurance and their service suppliers for administration and customer service including claims handling.
The life insured understands that Smart Insurance will only use their personal information to send them marketing messages if Smart Insurance have their explicit consent to do so. The life insured understands that they can withdraw their consent to receive marketing messages at any time by informing Smart Insurance.
The life insured is able to contact the Data Protection Compliance Manager at Smart Insurance at any time, to request a paper copy of Smart Insurance's Privacy Policy. Alternatively, please visit the Smart Insurance website where you can view and download a copy.
8. Accuracy of InformationWe may not pay part or all of a claim and may have the right to cancel the policy at the time if, when you applied for the policy or when making a claim, the life insured failed to answer all our questions truthfully, accurately and completely to the best of their knowledge and/or the life insured does not provide all the information Smart Insurance asks for, and/or the life insured does not tell them of any inaccuracies before or immediately after your policy is issued.
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Your complaint will continue to be investigated and if we, or Smart Insurance, are unable to respond within four weeks of receipt of your complaint, you will receive written confirmation that your complaint is still being investigated. Within eight weeks of receiving your complaint, you will either be sent the full and final response detailing the results of the investigation or it will be confirmed that the investigations are still on-going.
If you remain dissatisfied after you have received the full and final response or, after eight weeks, you do not wish to wait for the investigations to be completed, you can refer your complaint to the Financial Ombudsman Service (FOS):
0800 023 4567 or 0300 123 9123
The Financial Ombudsman Service Exchange Tower London, E14 9SR
Following this complaints procedure will not affect your legal rights.
12. Financial Services Compensation Scheme (FSCS) Both we and Smart Insurance are covered by the FSCS. You may be entitled to compensation from the scheme if either party becomes insolvent and cannot meet their respective obligations under this policy. The circumstances of your claim will determine whether you can make a claim and the amount you can claim. The maximum amount the FSCS will pay is 100% of the value of your claim, with no upper limit. You can obtain more information from the FSCS at:
0800 678 1100 or 020 7741 4100
Financial Services Compensation Scheme 10th Floor, Beaufort House 15 St Botolph Street London, EC3A 7QU
www.fscs.org.uk
13. Solvency II DirectiveUnder the Solvency II directive, we are required to provide you with a Solvency and Financial Condition Report and you can access this via our website:
www.scottishfriendly.co.uk/customer-centre/ solvency-two
10. Cancellation rightsYou have 30 days from the date on which you receive your policy documents to make sure you are happy with your cover and decide whether you want to keep it. If you want to cancel your policy within this period, please contact Smart Insurance:
0800 458 6901 (weekdays between 9am and 7pm)
Customer Services Smart Insurance PO Box 4555 Slough, SL1 0TT
After Smart Insurance receives your cancellation request, the policy will be cancelled and you will be sent a letter of confirmation. Any premium you may have paid will be refunded, subject to no valid claim being made.
If you wish to cancel your policy after the 30 day period, you can do this by contacting Smart Insurance. If you do, you will not receive any refund of premium.
If you do not cancel, your policy will start and end as set out in the Terms and Conditions and your schedule. We will collect premiums as agreed.
We can cancel this policy in any of the following circumstances: • if we believe a claim to be false or fraudulent; • if the incorrect date of birth of a life insured was given at
the time of application; or• if two consecutive premium payments were not paid
when due.
11. Complaints procedure If you wish to make a complaint, please contact Smart Insurance:
0800 458 6901 (weekdays between 9am and 7pm)
Customer Services Smart Insurance PO Box 4555 Slough, SL1 0TT
When contacting Smart Insurance, please confirm your policy number.
Depending upon the nature of your complaint, Smart Insurance may deal with your complaint directly or send it through to us.
We, or Smart Insurance, will aim to deal with your complaint promptly. If your complaint cannot be addressed immediately, an acknowledgment letter will be sent to you within five working days of receipt of your complaint.
Accident means an event resulting in bodily injury occurring whilst this policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.
Accidental death means death occurring as a direct result of an accident which took place while the life insured was covered under the policy and where death occurs within 90 days of the accident.
Benefit amount means the amount of cover chosen by you and used to determine the lump sum payment provided under this policy in respect of a life insured. The benefit amount for each life insured is shown in the schedule.
Deferred period means the period the life insured has to wait before being eligible for a non-accidental death to be covered.
Insurance means, in respect of a life insured, the benefit amount that has been applied for by the policy holder and accepted by us as indicated on the schedule.
Joint plan – this plan applies if there is a policy holder and a partner life insured as detailed on the schedule. A joint plan comprises of two policies, one for each life insured, administered together under the same master policy number.
Life insured means the policy holder and, if applicable, the partner life insured.
Medical specialist means a person who:• holds an appointment as a Consultant at a hospital in the
United Kingdom or country where the insured event giving rise to the claim arose;
• is acceptable to our Chief Medical Officer; and• is a specialist in an area of medicine appropriate to the cause
of the claim. The medical specialist must not be a life insured under this policy, their spouse, partner, relative or business associate.
Partner life insured means a person named in the schedule as the partner life insured. A partner is either a legal spouse, civil partner or common law partner of the policy holder.
Policy means the legal contract between the policy holder and us. The Policy Terms and Conditions, your application, any future application accepted by us and the current schedule make up the policy.
Policy anniversary means the anniversary of the date on which your first premium payment for this policy was requested.
Policy holder, you, your means the owner of this policy. This policy may not be transferred or assigned to another person.
Premium means the fixed amount of money we charge you on a monthly basis for this policy.
Schedule means the schedule to this policy, or any replacement schedule, issued by Smart Insurance and showing the details of the cover provided by this policy.
Single plan – this plan applies if the policy holder is the only person detailed on the schedule.
Start date means the date an application for a life insured is accepted by us and cover starts as set out in your schedule. If changes are made to your policy after the start date, these changes and any applicable deferred periods are effective from the date of the change.
United Kingdom means England, Northern Ireland, Scotland or Wales.
We, us, our means Scottish Friendly Assurance Society Limited who are responsible for the issue, underwriting and administration of your policy.
You, your means the policy holder.
Glossary
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In this document, some words appear in bold font, for example, policy. These words have special meanings as explained below.
SMT GLKFTC08 01/20
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Smart Insurance PO Box 4555, Slough, SL1 0TT
Customers with DisabilitiesThis document and other associated documentation are also available in other formats. If you require an alternative format, please contact Smart Insurance.